Your Affordable Halloween Starts Here!
Whether you’re buying a new ride or refinancing, MyUSA can help with affordable auto financing, local service, and quick decisions. Plus, eligible participants can earn up to $575* through our fall promotion.
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Local branches
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Quick decisions
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Free CARFAX Report
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Affordable, Trusted, Local
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Local branches ∘ Quick decisions ∘ Free CARFAX Report ∘ Affordable, Trusted, Local ∘
Pair and Save!
An auto loan isn't the only way to make your money go further. We offer several products that make it possible for you to earn up to $575*! You could set up a checking account, get a credit card, refer a friend, and more. Chat with us to find out how to earn up to $575* with our awesome fall promotion.
Scroll to the bottom of the page for a direct application link
Why MyUSA?
No big bank energy. We’re a Member-owned credit union serving Southwest Ohio for nearly a century – we know our communities.
Free CARFAX Report
We provide a free vehicle history report to protect every Member — at no extra cost.
Auto Link Car Buying Site
Get upfront pricing, take virtual test drives, and get guided through the whole process online.
Little to No Down Payment
Even taxes and fees can be rolled into a loan. More cash stays in your pocket.
Loan Protection Options
GAP, Depreciation Protection Waiver, Debt Protection, and Mechanical Breakdown Protection available.
Car Loan Calculator
3 steps to your new ride
HOW IT WORKS1
Enter your email
No obligation to get started.
2
Complete your application
Quick and easy online, with real people and local experts ready to walk you through your options and help you make the best budget-friendly decision.
3
Drive away
If your application is approved, you can sign your documents and hit the road, all without setting foot in a branch. It’s that simple.
Scroll to the bottom of the page for a direct application link
Trusted by Members
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Opened accounts here, as well as two car loans, and these folks are the absolute BEST to work with. Professional, courteous, efficient, and thorough.
—Cindi L. -
I opened my first bank account here 20 years ago and couldn't be happier. This bank has helped me through every point in my life from low interest loans, financing a new car at fixed rates, and financial hardships during rough patches.
—Jocelyn N. -
My wife and I had the best and easiest transaction when it came to purchasing a vehicle through My USA Credit Union. They are easy to work with and very helpful along the way with the process!
—Hudson S.
Frequently Asked Questions
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Cars, trucks, SUVs, motorcycles, boats, campers, ATVs, jet skis, and RVs — new or used.
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You'll become a member as part of the process – just $5 to open your Main Share account. Open to anyone who lives, works, worships, or attends school in Butler, Clark, Greene, Miami, Montgomery, or Warren County, Ohio. Apply now for membership.
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$5,000 minimum for standard loans. $10,000 minimum for terms over 63 months. $95 processing fee and title fees ($15–$32) apply.
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No prepayment penalties — pay it off early without any extra fees.
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You can check your score anytime for free with SavvyMoney in our app, with no impact to your score, or get personalized guidance from our team.
Find Us Near You
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![Exterior view of a MyUSA Credit Union building with a parking lot and handicapped parking spaces in the foreground, under a partly cloudy sky.]()
Plaza
BRANCH & ATM
3600 Towne Blvd
Middletown OH, 45005 -
![Empty service counter at MyUSA credit union with a blue wall, desks, and a beaming heart logo]()
Crawford
BRANCH & ATM
1201 Crawford St
Middletown, OH 45044 -
![A drive-thru area of a service station with a red brick building, ATM and pay phone, and signs indicating open and pet. In the background, there is an AutoZone store and a parking lot with cars.]()
Trenton
BRANCH & ATM
933 West State St
Trenton, OH 45067 -
![A sign for My USA Credit Union on a stone base in a grassy area, with a clear blue sky and power lines overhead.]()
Vandalia
BRANCH & ATM
536 W National Rd
Vandalia, OH 45377 -
![Exterior of a white building with a red awning, bushes, and a sidewalk in front, and a sign that reads 'MyUSA' on the building.]()
Kettering
BRANCH & ATM
21 West Dorothy Ln
Kettering, OH 45429 -
![Inside a financial services office, a long counter with multiple computer stations and signs for car loans, credit cards, and home loans displayed above. The front of the counter has a sign saying 'My USA' with a patriotic design.]()
Kettering in Reynolds & Reynolds
BRANCH
1 Reynolds Way
Kettering, OH 45430 -
![Exterior of a MyUSA Credit Union branch with large front windows and a blue facade.]()
Moraine
BRANCH & ATM
3115 S Dixie Dr
Dayton, OH 45439 -
![A building with a sign that reads "My USA" outside, with bushes in front and a paved parking area.]()
Springfield
BRANCH & ATM
1620 Upper Valley Pike
Springfield, OH 45504
Ready to roll?
Join your neighbors across Southwest Ohio who trust MyUSA to get them on the road for less.
Disclosures
*Membership and account eligibility requirements must be met, including opening and maintaining a $5.00 Main Share Membership Savings Account. Offers eligible only for individual accounts for account holders age 18 or over. Other account types such as business, estate, trust, guardian, rep payee, etc. are not eligible to participate. Offers subject to end without notice. Cannot be combined with any other offers. Other terms, limits and fees may apply, speak to a MyUSA Associate for details.
Annual Percentage Yield (APY) for eligible accounts will be standard published rates at time of account opening and are subject to change after account opening. APY, minimum balance to obtain APY, and monthly fees vary per account, see a MyUSA Associate for details. Any fees could reduce earnings on the account. MyUSA Credit Card limits and Annual Percentage Rates (APRs) on eligible loans will be the standard published rate and may vary depending upon each individual’s credit history, terms chosen and underwriting factors. Loans will be approved up to current loan limits under normal underwriting conditions. Offer valid on credit card, auto, motorcycle, boat and RV loans only. Offer excludes business, personal and mortgage loans and any other loan not listed above. Offer valid only on new loans to MyUSA and cannot be used to refinance an existing MyUSA loan.
New-to-MyUSA members are eligible to receive bonus rewards up to $575 for the following actions: 1) $50 for opening a MyUSA Checking Account; 2) $50 for setup of direct deposit to Checking Account of at least $100; 3) $75 for opening a new MyUSA Credit Card; 4) $325 for opening a new loan or refinance of a non-MyUSA auto loan, motorcycle, boat, or RV loan (personal loans & home loans excluded); 5) $75 for referring a friend for MyUSA membership. Existing MyUSA members are eligible to receive bonus rewards up to $475 for the following actions: 1) $75 for opening a new MyUSA Credit Card; 2) $325 for opening a new loan or refinance of a non-MyUSA auto loan, motorcycle, boat, or RV loan (personal loans & home loans excluded); 3) $75 for referring a friend for MyUSA membership.
All bonuses will be deposited into member’s Main Share Account within 45 days of qualifying action. Limit one payment per member account, per bonus offer. MyUSA reserves the right to reclaim bonus payments if accounts are closed prior to 90 days after account opening or prior to 180 days after loan funding, which may include a delay of lien release until bonus dollars are collected by MyUSA. Bonus is considered taxable income, and recipient is responsible for reporting the amount to the IRS. Direct deposits include items such as a recurring electronic direct deposit of a paycheck, retirement payments, or social security deposits. Account conversions, personal transfers or deposits made at a branch/online/ATM do not qualify. For Refer a Friend, referred party must open and maintain a $5 Main Share Account and open a checking account with direct deposit of at least $100 OR a loan product (excludes credit card). Referred party cannot be primary owner on any existing MyUSA accounts, closed an account within the past 90 days, or been paid a promotional reward in the past 12 months. Limit one payment per Main Share.